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Human-Wildlife Conflict Insurance in Kenya

  • Writer: Timon Mutero
    Timon Mutero
  • Jun 4
  • 2 min read

Updated: Jun 12



Insurance For Human Wildlife Conflict


The Government of Kenya (GoK) has selected Pula to administer the Human-Wildlife Conflict (HWC) compensation scheme. Over 6,000 conflict cases occur each year across Kenya triggered by climatic events that impact animal movements. The GoK established the compensation fund in 2013 to provide financial assistance to those affected by HWC conflicts.


HWC Coverage



Challenges


The current administration of the scheme faces significant challenges. A substantial backlog of claims since 2014, estimated in the thousands, remains unaddressed. Additionally, claims filed from July 2023 have not been processed. Inefficiencies exist due to manual processes that are reliant on physical copies. Fueled by unpaid claims and unreliable processes, the population increasingly distrusts the current HWC scheme.


PULA’S Solution


With support from AB Entheos and Minet Kenya, Pula will administer the self-funded compensation scheme. The pilot phase will focus on the six most affected counties for two years. The scope of Pula’s work is as follows:

  • Community Engagement and Education

  • Digitization of Claim Reporting, Evaluation, Approval, and Disbursement Processes

  • End-to-End Digital Administration

  • Ground Claim Verification

  • Reporting and Insights



Project Impact


2 years Pilot

860,000Kenyan households


Program Partners

AB Entheos is seeking to make financial services accessible to those who need it the most.
AB Entheos is seeking to make financial services accessible to those who need it the most.

Minet is a trusted pan-African advisor that meets the uncertainties of tomorrow by delivering risk and human capital solutions today.
Minet is a trusted pan-African advisor that meets the uncertainties of tomorrow by delivering risk and human capital solutions today.

Why PULA?


Pula has demonstrated experience in field assessment at scale, particularly crop and livestock damage evaluation (with a combination of loss damage field agents, call centers, and mobile USSD platform). Additionally, Pula has the ability to digitize the verification and assessment to provide real-time data to track claims.


Promising Opportunity


HWC is a recurring challenge affecting many communities around the world. Governments are struggling to implement compensation programs because conflicts happen in areas where claim verification is hard. This pilot project demonstrates Pula’s capabilities to verify incidents at scale and positions Pula to serve many other markets, such as:


  • Administering the scheme for all 47 counties in Kenya and clearing the 2014-2023 claim backlog.

  • Zambia is facing similar challenges to Kenya, and the Ministry of Tourism has already expressed Interest experience in the scheme.


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